Compare Car Insurance Companies That Assist Customers With Accidents [2021]

Finding car insurance companies that assist customers with accidents is easy, although each company offers help differently. Some car insurance companies allow drivers to file claims online or through an app while others want a phone call. Either way, drivers can expect car insurance rates to increase about $80 a month after an accident. Auto insurance companies that assist customers with accidents the best will make filing claims easy and communicate well.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • Some car insurance companies allow you to file accident claims online or through an app
  • Car insurance rates will increase an average of $80 a month after an accident
  • Take a defensive driving course to lower car insurance rates after an accident

Car insurance companies are very concerned with your driving record and if you get into an accident. The best auto insurance companies out there make filing a claim after an accident stress-free.

Finding car insurance companies that assist customers with accidents isn’t hard, but each company will offer assistance differently.

Shop around to find your cheapest rates if you’ve had an accident. Each company will weigh your accident differently and offer you different rates.

Keep reading to learn more about car insurance companies that assist customers with accidents. Enter your ZIP code now to compare free quotes from companies in your area today.

Which car insurance companies assist customers with accidents?

There really aren’t car insurance companies that don’t assist customers with accidents. All companies offer some assistance to drivers if they’ve had an accident.

It’s not a surprise that your driving history affects your insurance rates. What you might not know is just how much extra you will pay if you have an accident.

This table shows you the average annual rates from top companies for drivers who have an accident on their driving record.

Average Annual Car Insurance Rates with One Accident
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Accident
Allstate$3,819.90$4,987.68
American Family$2,693.61$3,722.75
Farmers$3,460.60$4,518.73
GEICO$2,145.96$3,192.77
Liberty Mutual$4,774.30$6,204.78
Nationwide$2,746.18$3,396.95
Progressive$3,393.09$4,777.04
State Farm$2,821.18$3,396.01
Travelers$3,447.69$4,289.74
USAA$1,933.68$2,516.24
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USAA and GEICO offer the cheapest rates to drivers with one accident, but rates will still increase around $80 a month. Keep in mind USAA only offers coverage to members of the military, veterans, and their families.

Some companies even offer accident forgiveness car insurance for drivers who have not had an accident in at least three years.

However, if you have multiple accidents on your driving record, you can be considered a high-risk driver and charged much higher rates.

What is the insurance claim process for car accidents?

Each company will have its own process for filing car accident insurance claims. Some companies allow drivers to start the claims process online or through an app. Others require a customer to call in or speak with an agent to start the process.

Generally, all auto insurance companies will want to see an accident report, any bills associated with the accident, and a formal claims form.

It’s a great idea to keep a copy of all of your paperwork in case there is a problem with your claim.

You definitely want to make sure your claim contains information that is true. According to the Insurance Information Institute, insurance fraud includes filing claims that are padded or inflated.

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How can drivers with accidents save money on car insurance?

Having a car accident doesn’t mean you’re stuck paying higher rates. Luckily, there are some things you can do to save money on your car insurance even if you’ve had an accident.

First, take a defensive driving course. These classes will earn you a car insurance discount, teach you valuable tips to avoid another accident, and even remove points on your driver’s license in most states.

Next, ask for any car insurance discounts available to you. Since not all discounts are based on your driving record, you can still save money just by having multiple cars, being a good student, or even from the features on your car.

Another great way to save is to compare quotes from car insurance companies that assist customers with accidents. Since each company will weigh your accident differently, some will charge cheaper rates for the same coverage.

Car Insurance Companies That Assist Customers With Accidents: The Bottom Line

All car insurance companies will help drivers with an accident, but some are easier to deal with than others. Some insurance companies will also charge lower rates than others after an accident.

Shop around to find the cheapest rates from car insurance companies that assist customers with accidents.

Now that you’ve learned all you need to know about auto insurance companies that assist customers with accidents, enter your ZIP code to compare free quotes from multiple companies to find the cheapest rates for you.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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